Auto loans for any credit situation

Bad credit, no credit or past bankruptcy: apply for a used car loan in BC or Alberta. Short application, no credit impact to check your options.

Apply for a used auto loan in British Columbia or Alberta with OCAL Financial. Bad credit, no credit and past insolvency are all considered. Checking your options does not affect your credit score.

A short application, reviewed by people

The online form asks for your contact information, employment and income, and where you live. It takes a few minutes. A finance specialist then reviews your file and submits it to the lenders in our network who fit your profile, rather than shotgunning it across every lender and generating a pile of credit inquiries.

Credit situations we finance

• Established credit looking for a competitive rate
• Non prime credit after missed payments or collections
• Discharged bankruptcy or an active consumer proposal
• No credit history, including first time buyers and newcomers to Canada
• Self employed and commission based income

Choosing the vehicle

You can pick from our used inventory or tell us what you want and we will source it. Lenders set limits on vehicle age, mileage and value, so the approval and the vehicle choice are worked out together.

Before you sign

You will see the amount financed, the rate, the term, the payment schedule and the total cost of borrowing. Approval is subject to lender review and no outcome is guaranteed.

Start your application or talk to our team.